Flat Rock, OH
How exposed is Flat Rock to wildfire?
Flat Rock's 150 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Flat Rock at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Flat Rock rates 88.7% Minimal exposure against just 11.3% Direct and 0% Indirect — of 150 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Flat Rock ranks
There's little gap between Flat Rock's 1st national percentile and its 7th percentile inside Ohio, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Flat Rock ranks 31,155 for wildfire risk (1 is highest) and 26,890 by building count (1 is largest). Within Ohio alone, it ranks 1,175 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
What this risk score means for insurance
Flat Rock's low wildfire rating (1st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 88.7% of Flat Rock outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Flat Rock's figures come from
The methodology guide shows exactly how USFS turned 150 counted buildings into the percentiles shown above for Flat Rock. The exposure-zones guide covers what Flat Rock's dominant minimal exposure actually means, with real examples from across the dataset.